In this episode, we break down each of the main insurances and share our thoughts on whether they're worth having.  We also discuss strategies for optimising the cost of insurance, other ways to protect yourself, and tailoring it to your own situation. Discussion points... The truth about insurance  (03:34)Home insurance  (09:26)Contents insurance  (13:06)Car insurance  (18:55)Health insurance  (28:14)Life/TPD/Disability  (37:56)Pet insurance  (44:24)Travel insurance  (48:55)Creating your own cover (50:55)Psychological aspects of insurance  (55:31)How to optimise and reduce the cost  (1:04:04)Final thoughts  (1:08:58) Resources and stuff mentioned... How we track our investments:  SharesightRecommended low cost broker:  PearlerCar Insurance:  Budget DirectPodcast:  Emergency Funds & Short-Term SavingsPodcast:  Superannuation and Early Retirement More from us... Pat's blog:  Life Long ShuffleDave's blog:  Strong Money AustraliaContact us with questions and feedback:  [email protected]